Huntington Voice Credit Card Pricing Schedule

On the record for Huntington Voice Credit Card Pricing Schedule: a purchase APR of 15.49%–27.49%, a $10 annual fee and a 12-month 0% opening period, filed by Huntington National Bank, the. The purchase rate sits at roughly the 66th percentile of the 4,587 agreements indexed here.

The disclosed terms

This page covers the agreement Huntington National Bank, the filed for Huntington Voice Credit Card Pricing Schedule. The filing runs one page.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a grace period. It is silent on a penalty rate, a late payment maximum and a foreign transaction fee.

What the promotional rate is worth

The filing discloses a 0% introductory rate running 12 months. For that window, balances covered by the promotion accrue no interest at all.

Zero-percent openings appear in roughly 458 of the filings on this site, which puts this agreement in a sizeable minority rather than a class of its own.

What matters more than the promotion is the rate waiting behind it: 27.49%. A $1,000 balance that survives the promotional window costs roughly $316 a year from that point on.

The promotional window is therefore worth something on the order of $316 on $1,000, measured against the same balance priced at the standard rate for the same period.

How the purchase rate compares

This is a tiered agreement: the filing discloses a purchase APR anywhere from 15.49% to 27.49%, a spread of 12 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

Those two numbers occupy very different places in the corpus: roughly the 36th percentile at the bottom and the 66th at the top.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

What the rate means in dollars

Carry $1,000 on this card for a year without paying it down and the purchase rate alone generates roughly $316 in interest.

A card priced at the corpus median of 21.99% would charge roughly $246 on that balance. This one charges about $70 more per year.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Charges beyond interest

$10 a year is the disclosed annual fee, which ranks near the 76th percentile of the fees filed across this corpus.

For scale, $10 is approximately what $36 of revolving balance would cost in interest over twelve months at this card's 27.49% rate.

The filing states the fee is waived for the first year, so the $10 is a second-year cost rather than an immediate one.

Cash advances carry a cash advance APR of 27.49%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Balance transfers cost $10 or 5% of the amount transferred, whichever is greater up front and then accrue at 6.74%. Shifting $3,000 across attracts something like $150 in fees on day one.

Grace period and minimum charge

Anyone clearing the statement balance inside 21 days pays no purchase interest at all under this filing. With a corpus median of 25 days, this window is narrower than the norm.

Where interest applies at all, the filing bills at least $1. On a tiny balance that floor can dwarf the rate itself.

Inside Huntington National Bank, the's filed lineup

Huntington National Bank, the has 38 agreements indexed on this site. Across that lineup purchase rates span 12.24% to 30.74%; this filing's 27.49% sits above 22 of the comparable ones.

Its $10 annual fee is higher than 34 of the 34 sibling filings that state one.

What is outside the disclosure

This page cannot tell you a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

The document itself

The original filing, 1 page long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

The pricing here is middling by the standards of the index — 27.49% on purchases is near enough to typical. Against that sits the $10 annual fee, which is unavoidable once the account is open.